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EDISTO FEDERAL CREDIT UNION

Dec, 31, 2020 — EDISTO FEDERAL CREDIT UNION is a federal credit union headquartered in ORANGEBURG, SC with 1 branch location and about $22.99 million in total assets. Opened 85 years ago in 1936, EDISTO FEDERAL CREDIT UNION has about 3,775 members and employs 10 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


Name:EDISTO FEDERAL CREDIT UNION
Address:
(Main Office)
1880 RUSSELL ST
ORANGEBURG, SC 29115-6107
Phone:(803) 535-0077
Fax:(803) 539-9020
Website:n/a
Branches:1 branch locations
Members:3,775
Credit Union Type:Federal Credit Union
Charter Number:1397
Membership Type:Multiple common bond - Primarily educational
Corporate Credit Union:No
Year Opened:1936
Last Audited:Nov 01, 2020
FHLB Member:No
Low Income Designation:No
Assets:$22,989,923
CEO/Manager:Leofice J Williams
Chairperson:Georgia G Montgomery

Call Report

  • Credit Builder
  • Overdraft Lines of Credit
  • Overdraft Protection
  • Real Estate Loans
  • Risk Based Loans
  • ATM/Debit Card Program
  • Check Cashing
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 8,323,821
TOTAL INVESTMENTS 4,144,397
Loans Held for Sale 0
 
 Real Estate Loans 4,178,414
 Unsecured Loans 3,679,163
 Other Loans 2,432,977
 TOTAL LOANS 10,290,554
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -314,822
 Land And Building 171,605
 Other Fixed Assets 12,063
 NCUSIF Deposit 179,345
 All Other Assets 182,960
  TOTAL ASSETS 22,989,923
LIABILITIES & CAPITAL:  
 Dividends Payable 5
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 40,869
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 1,161,439
 Regular shares 7,519,439
 All Other Shares & Deposits 10,957,418
  TOTAL SHARES & DEPOSITS 19,638,296
  TOTAL LIABILITIES 19,679,170
 Regular Reserve 205,807
 Other Reserves 0
 Undivided Earnings 3,104,946
  TOTAL EQUITY 3,310,753
  TOTAL LIABILITIES, SHARES, & EQUITY 22,989,923
INCOME & EXPENSE  
 Loan Income 894,414
 Investment Income 63,276
 Other Income 308,700
 Total Employee Compensation & Benefits 689,521
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 440,067
 Non-operating Income & (Expense) 5,339
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 98,862
 Cost of Funds 112,118
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) -68,839
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